Market timers speculate, plain and simple. Their goal is to miss the market’s worst performing days and jump in for the good days. The allure of market timing can be strong, but one study shows that 0% of market timers were accurate enough to beat the market. Mark and Tom assert that nobody can predict the future, so it behooves investors to choose a risk level that’s appropriate for them and ride out volatility, rather than hopping in and out of the market.

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